Texture is something we forget - it makes outfits look very expensive. You can do a monochromatic outfit, if you're afraid of things that are more colorful and printed, and still create interest.
Style can change your look, certainly, but it can also change your life.
You don't need money to look fabulous. There are so many awesome new designers, so many designers doing collections for mass retailers.
You can't fit your clothes well and look your best if you don't know what you're working with.